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Peer Analysis

Performance Ratios (%) THFF Peer Median Peer Average
ROAA 1.25 1.14 1.11
ROAE 8.97 9.64 9.74
Net Interest Margin 4.10 3.34 3.40
Efficiency Ratio 56.71 56.99 55.54
Loans / Deposits 76.00 88.50 87.96
Asset Quality Ratios (%)
NPAs / Assets 0.55 0.52 0.73
NCOs / Avg Loans 0.16 0.07 0.07
Reserves / Loans 0.98 1.21 1.26
Reserves / NPAs 111.45 149.33 246.68
Capital Ratios (%)
Tier 1 Capital 15.70 13.36 14.89
Tangible Equity / Tangible Assets 12.07 10.34 10.10
Total Equity / Total Assets 13.83 11.47 11.16
Market Ratios
Price / Earnings (x) 10.54 12.07 14.00
Price / Book (%) 91.47 108.64 129.30
Dividend Yield (%) 2.62 3.65 3.31
Data for trailing four quarters

First Financial Corporation's peer group consists of the following: Community Trust Bancorp, Inc. (CTBI), Enterprise Financial Services Corp (EFSC), Farmers Capital Bank Corporation, Great Southern Bancorp, Inc. (GSBC), Lakeland Financial Corporation (LKFN), Macatawa Bank Corporation (MCBC), MainSource Financial Group, Inc., Mercantile Bank Corporation (MBWM), Peoples Bancorp Inc. (PEBO)

First Financial Corporation's financial data is as of 9/30/2020.

Peer financial data is as of 9/30/2020 except for these companies:

Farmers Capital Bank Corporation's financial data is as of 6/30/2018.
Community Trust Bancorp, Inc.'s financial data is as of 12/31/2020.
MainSource Financial Group, Inc.'s financial data is as of 3/31/2018.
Mercantile Bank Corporation's financial data is as of 12/31/2020.
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